FAQ’s → NewStart Finance Group

Why choose us for finance?

We’ve put together the most common questions from our clients to help you better understand how we work, what we offer, and how we can support your finance journey.

We get to know you

We provide a wide range of finance solutions including:

Business loans (working capital, growth, refinance)
Car, truck, and commercial vehicle finance
Equipment and machinery loans (including ag, construction, and office fitouts)
Personal loans and consumer vehicle finance
Fitout and upgrade funding for clinics, offices, retail, and more.

Who can apply for finance?

Our finance is available to individuals, sole traders, companies, and trusts. Whether it’s for personal use or business purposes, we can help.

Do I need to be a homeowner to apply?

No, homeownership is not required. We work with lenders that support both renters and homeowners.

Can you help if I’ve been declined by a bank?

Yes. We have access to over 40 lenders, including those who consider applicants with complex financial histories, recent ABNs, or previous credit issues.

How do I apply?

You can complete our online application form, or contact our team directly. We’ll guide you step by step and manage the paperwork for you.

What documents do I need?

Typically:

Photo ID (e.g. driver’s licence)
Bank statements
Payslips or business financials
Details of the asset (if applicable)

We’ll confirm exactly what’s needed based on your situation.

How long does approval take?

In most cases, we can secure pre-approval within 24–48 hours once we receive the required documents.

What is the interest rate?

Interest rates vary depending on several factors, including your credit history, the asset type (car, truck, machinery, etc.), whether it's new or used, the loan term, and whether it's for personal or business use. We work with a panel of lenders to find the most competitive rate for your circumstances. We’ll confirm your personalised rate once we’ve assessed your application.

What loan terms are available?

Loan terms usually range from 1 to 7 years. We’ll help you select a structure that suits your cash flow and goals.

Can I finance a used vehicle or second-hand equipment?

Absolutely. We finance both new and used assets, including private sales and auction purchases.

What if I have bad credit?

We work with specialist lenders who consider applicants with past credit challenges. Our goal is to find a solution that works for you.

Can I make extra repayments or pay off the loan early?

Yes. Many of our lenders allow flexible repayment options, including early payout with minimal or no penalties. We’ll help you choose a product that gives you that flexibility.

Do you offer low-doc or no-doc business loans?

Yes. For self-employed clients or businesses without up-to-date financials, we offer low-doc and bank-statement-based lending options.

Can I get finance if my business is new?

Yes. We assist start-ups and newly established businesses — particularly those with a strong asset, contract, or deposit in place.

Are there any upfront fees?

Some lenders charge an establishment or broker fee, which we’ll always disclose clearly and upfront. No surprises — just transparency.

What happens after my loan is approved?

Once approved and all documents are signed, funds are disbursed to the seller or supplier. You’ll be notified as soon as everything is finalised so you can take possession of your asset.

Will I hear from you after settlement?

Absolutely. We’re not a one-and-done lender. We’ll check in with you after settlement and stay in touch to support future needs, refinancing opportunities, or simply to see how your business or life is tracking.

I’m a broker or adviser — can I refer clients to you?

Yes. We regularly work with brokers, accountants, and business advisers. Your clients remain your clients — you introduce, we deliver, and we refer back.

Do you pay referral commissions?

Yes. We offer competitive commission structures for qualified referral partners. Contact us to learn more or register as a partner.

Still have questions? Get in touch

Why choose us for finance?

General Questions

Application Process

Loan Details

Business Finance

Costs & Fees

Post-Settlement & Support

Brokers & Referral Partners